Here are some answers to frequently asked questions concerning Fluent Financial and our services.
Q. WHO IS FLUENT FINANCIAL?
A. Fluent Financial is an award-winning Dallas-based wealth management firm that offers in house portfolio design and risk management along with the latest tax management strategies. With more than 30 years of combined business, tax, and financial planning experience and a 99.2% annual client retention rate, Fluent Financial helps clients work to accelerate their financial independence.
Q. WHO IS YOUR TYPICAL CLIENT?
A. Fluent Financial has a wide range of clientele nationwide that includes successful business owners, executives, professionals, family estates and high net worth individuals.
Q. WHAT IS A CERTIFIED FINANCIAL PLANNER® AND WHY IS IT IMPORTANT?
A. CERTIFIED FINANCIAL PLANNER® Practitioners maintain the highest designation and standard of recognized excellence in the financial planning industry. Every CERTIFIED FINANCIAL PLANNER® Practioner must take and dutifully honor an oath to honor the highest industry ethics and is responsible to always do what is in the best interest of the client. For more information, please visit www.cfp.net.
Q. HOW DO YOU PREVENT CONFLICT OF INTEREST?
A. At Fluent Financial we believe our client’s interests come first. Therefore, we chose to partner with Private Client Services (PCS) in order to offer objective advice. We offer no proprietary products or services but have access to financial solutions from hundreds of vendors across the industry. And because Fluent Financial is a fee-based firm, our fees are clear and transparent to our clients. We do not make money by selling investments—but rather by a clear and concise fee each year to manage your portfolio.
Q. HOW DOES THE FEE STRUCTURE WORK?
A. Fluent Financial is a fee-based wealth management firm. Unlike commission-based firms, which charge a commission on the sale of different products, a fee-based structure charges a fee for the overall management of your assets. Some transaction charges may apply but will be fully disclosed if necessary.
Q. FIRST MEETING: WHAT CAN I EXPECT?
A. Many investors don’t know what to expect when scheduling a first meeting with a new financial planner. At your first meeting with Fluent Financial, we’ll spend a lot of time getting to know you. We want to take a 360 degree view of your world to determine what is important to you and what you value in life. Additionally we want to understand your past, present and future situation in order to develop a financial strategy that is truly tailored for you. Our goal is to help you gain an understanding of financial independence and how to get there. To get started, call or email our office today to schedule your free consultation.
Q. WHAT IS YOUR CLIENT RETENTION RATE?
A. Our annual client retention rate is 99.2%, far above the industry average which was 90% in 2017*.
Q. HOW DOES FLUENT FINANCIAL SELECT INVESTMENTS?
A. With 30 years of combined investment and financial planning experience, we have helped many clients gain insight and understanding when it comes to our investment selection techniques. Because of its recognized leadership in independent research, we utilize Private Client Services’s (PCS) research department. Other research methods we use, but are not limited to, are Standard and Poor’s, Morningstar, Credit Suisse and many other top-rated subscriptions for the latest on investment selection strategy. Our expertise in preparing income statements, cash flow and balance sheets for public companies in the past allows us to successfully navigate the myriad of traditional and alternative investment choices for our clients.
*As reported in PriceMetrix’ 4th annual The State of Retail Wealth Management report.
Q. DO YOU OFFER NOTARY SERVICES TO YOUR CLIENTS?
A. Yes, we have a notary on site and offer free notary services to our clients. Some restrictions may apply.